Spa, Clinic, or Studio Property Insurance and Liability
This coverage has been specifically designed for Spa’s, Beauticians or Therapy practitioners who may own their own spa/clinic.
Property Insurance coverage highlights
Blanket Coverage on Contents of Every Description upto $100,000 (including computer and related material).
Subject to a $1,000 deductible
Featuring: Included at no extra cost:
- “All Risks” Form
- 90% Co-Insurance Clause
- Replacement cost on Equipment
- Tenants Improvements
- Business Interruption
- $10,000 Extra Expenses to resume operations
- $25,000 Valuable Papers
- $25,000 Accounts Receivable
- Newly-Acquired Location
– Contents $250,000
– Building $1,000,000
- $10,000 Transit Coverage
- $10,000 Fire Department Charges
- Sewer Back-up
- Glass/Signs Included
- $5,000 Off -Premises Coverage
- Building Damage by Theft
Multi-Item Crime Insurance
Covering up to $10,000 per item
Including:
- Employee Dishonesty
- Loss Inside The Premises
- Loss Outside The Premises
- Money Order and Counterfeit Paper Currency
- Depositors Forgery
Commercial General Liability (Third Party Public Liability)
Inclusive Limit for Bodily Injury and Property Damage: upto $5,000,000 per occurrence
Including:
- Premises/Operations Liability
- Personal Injury Liability
- Advertising Injury Liability
- Broad Form Bodily Injury
- Cross Liability Clause
- Medical Payments ($5,000/Person)
- Non-owned Automobile Liability
- Employee Benefits ($1,000,000 limit)
- Employees as Additional Insureds
- Broad Form Tenants Legal Liability
- Physical Damage to Hired Non-owned Automobiles
- Property Damage Deductible ($1,000)
Note: Purchased coverage may vary from above and claims are only paid out based upon coverage purchased terms and conditions of policy issued.
Please contact one of following to obtain the appropriate application for your clinic.
Mark Holman (905) 886-5630 Ext 1224 
or
Paul Holman (905) 886-5630 Ext 1246 